PROPERTY AND CASUALTY INSURANCE

BURGLARY AND HOUSE BREAKING INSURANCE

The Policy provides indemnity in respect of loss or damage to contents of lockable premises occasioned by violent or forceful breaking into and/or exit of premises or any attempt thereat.  The most important emphasis in the conditions of this policy is that for any event to justify a claim there must be proof of actual breaking into or exit out of the Insured’s premises such as broken window, forced lock or the like.

HOUSE OWNERS/HOUSE HOLDERS COMPREHENSIVE INSURANCE

To provide Indemnity following FIRE, THEFT or any of the Insured Special Perils resulting in loss or damage to the building and/or contents.

PUBLIC LIABILITY INSURANCE

This Policy provides indemnity on the Insured’s Legal Liabilities to pay compensation to members of the public (other than the Insured’s own employees) in respect of Accidental Death, Bodily Injuries or Property Damage caused by Employees or Operation of the Insured in the course of their normal duties, subject to a limit of indemnity insured against anyone accident/occurrence.

This insurance can be extended to cover PRODUCT LIABILITY.

FIRE & SPECIAL PERILS

This policy insures you against loss or damage to property as a direct result of fire, lightning or explosion. The following special perils can be extended to the basic cover for additional premium:

  • Aircraft Damage
  • Strike, Riot & Civil Commotion
  • Malicous Damage
  • Earthquake or Volcanic Eruption
  • Strom, Tempest and Flood
  • Escape of Water from Any Tank, Apparatus or Pipes
  • Bush Fire
  • Impact by any Road Vehicle or Animal
  • Loss of Rent

The items to be insured are:

  • Building
  • Electrical Installations
  • Furniture, Fixtures & Fittings
  • Plant and Machineries
  • Stock of raw materials and finished goods
  • Personal Effects
  • Other Contents